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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,152 | $76,407-82.8% | $150,298-91.2% | $82,448-84.0% |
| Participation rate | 84.8% | 66.4%+18.5pp | 77.8%+7.1pp | 68.1%+16.8pp |
| Annual return | 27.71% | 39.99%-12.3pp | 62.79%-35.1pp | 41.64%-13.9pp |
| Employer contribution / active EE | $424 | $2,614-83.8% | $4,154-89.8% | $2,551-83.4% |
| Participant deferral / active EE | $3,235 | $3,214+0.7% | $5,453-40.7% | $4,139-21.8% |
| Admin fee / account holder | $888 | $6,352-86.0% | $14,116-93.7% | $7,234-87.7% |